tesseract
Dedicated Client Vaults
Tesseract Investment Oy delivers the DCV service as a discretionary portfolio management mandate executed through per-client on-chain vaults on Ethereum mainnet. Each client receives their own isolated vault. There is no pooling and no commingling of assets.
Yield is tracked through share price appreciation with auto-compounding — no manual claim required. Current strategy options are visible in the Tesseract app.
| Parameter | Detail |
|---|---|
| Blockchain | Ethereum mainnet |
| Supported Assets | USDC, wETH, wBTC |
| Minimum Deposit | $50,000 USDC |
| Indicative Yield (Stablecoins) | ~5-6% (Conservative) / ~8-12% (Advanced) |
| Indicative Yield (ETH) | ~4-6% |
| Indicative Yield (BTC) | ~3-5% |
| Withdrawals | Instant for amounts covered by liquid balance; scheduled flow for larger amounts |
Indicative yield footnote. Indicative yields reflect gross annualised returns targeted for comparable DCV mandates over the twelve-month period ending 31 March 2026, before management and performance fees. Yields are variable, not a forecast and not a guarantee, and will differ between clients, strategies, and periods. Past performance is not indicative of future results. See the Risks section for the full set of risk factors.
Institutional Lending
Institutional Lending is provided by Tesseract Earn Oy and its UK Special Purpose Vehicles (Tesseract UK Access I Ltd and Tesseract UK Access II Ltd), outside the MiCA regulatory perimeter. Tesseract Earn Oy applies compliance standards equivalent to those applicable to Tesseract Investment Oy, including KYC on all borrowers, SPV-level asset segregation, and transparent portfolio reporting.
The service offers institutional counterparties a route to earn yield on digital assets through lending to vetted institutional borrowers. A delta-neutral strategy eliminates exposure to cryptocurrency price volatility, and the loan portfolio is diversified across multiple borrowers to mitigate concentration risk. Collateral is managed securely through a third-party custodian, and loan terms allow for up to 100% asset withdrawal without lock-up periods.
Tesseract provides regular monthly reports detailing loan performance and portfolio parameters. Risk management practices include rigorous credit assessments and AML/KYC compliance.
Product Sheet: Lending Product Sheet
Currency Support
Dedicated Client Vaults — Tesseract Investment Oy, MiCA CASP
| Currency | Vaults |
|---|---|
| Bitcoin (BTC) | ✅ (wBTC) |
| Ethereum (ETH) | ✅ |
| USDC | ✅ |
Institutional Lending — Tesseract Earn Oy / UK SPVs, outside the MiCA perimeter
| Currency | Lending |
|---|---|
| Bitcoin (BTC) | ✅ |
| Ethereum (ETH) | ✅ |
| USDC | ✅ |
| Litecoin | ✅ |
| Ripple (XRP) | ✅ |
| Solana | ✅ |
| Cardano | ✅ |
| Polygon | ✅ |
| Polkadot | ✅ |
| Binance Coin | ✅ |
| Avalanche | ✅ |
| Dogecoin | ✅ |
| DAI | ✅ |
| ATOM | ✅ |
| NEAR | ✅ |
| Kusama | ✅ |
| Others | ✅ |
- We remain open to consider further assets according to market conditions
Risks
Discretionary portfolio management of crypto-assets involves significant risks, including smart contract risk, DeFi protocol risk, oracle risk, liquidity risk, market stress risk, counterparty risk, custody risk and regulatory change risk, and the risk of total loss of capital. Yields are indicative only, not guaranteed, and will vary.